Trailing Dividend / Share
$1.46
The First Bancorp, Inc. (FNLC) Dividend History
Income profile from 1994 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
4.1%
Payout Ratio
47.5%
Sustainable
Dividend Streak
12 years
FNLC Dividend Income Check
Safety
47.5% payout ratio with sustainable safety profile.
Consistency
12 straight years of dividend increases.
Income Trend
Yield on cost is 5.6% and trend is rising.
FNLC Dividend Scorecard
Yield & Income
Dividend Yield4.1%
Trailing DPS$1.46
FrequencyQuarterly
Payments / 12M5
Payout Safety
Earnings Payout47.5%
Earnings SafetySustainable
FCF Payout29.4%
FCF SafetyWell Covered
Piotroski F-Score6/9
Growth
Growth Streak12 years
3Y CAGR3.4%
5Y CAGR3.7%
Yield on Cost (5Y)5.6%
YOC Trendrising
Total Returns
Buyback Yield0.1%
Total Shareholder Yield4.2%
1Y Total Return34.2%
5Y Total Return43.1%
Div Contribution (5Y)23.6%
Estimated $10K growth (return + dividends):
5Y ago$13,22010Y ago$21,56220Y ago$32,041
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
FNLC Income Growth Story
Dividend per share and yield on cost over time (33 years of payments)
FNLC Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
The First Bancorp, Inc. distributes 47.5% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 29.4%, rated "Well Covered".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
FNLC has raised its dividend for 12 consecutive years, with a 3-year CAGR of 3.4% and 5-year CAGR of 3.7%.
Total Shareholder Returns
Beyond cash dividends, FNLC returns capital through share repurchases. The combined picture: 4.1% dividend yield, 0.1% buyback yield, 4.2% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 5.6% and is currently rising. The 5-year total return is 43.1%, with dividends contributing 23.6% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $21,562 today.
FNLC Recent Dividend Payments
Last 20 payments · Quarterly
TTM Total$7.02
Avg/Payment$0.3510
Latest Change+2.7%
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jul 7, 2026Latest | $0.3800 | ↑ +2.7% | 4.25% | Jul 17, 2026 |
| Apr 7, 2026 | $0.3700 | — | 5.15% | Apr 17, 2026 |
| Jan 6, 2026 | $0.3700 | — | 5.52% | Jan 16, 2026 |
| Oct 6, 2025 | $0.3700 | — | 5.75% | Oct 16, 2025 |
| Jul 8, 2025 | $0.3700 | ↑ +2.8% | 5.49% | Jul 18, 2025 |
| Apr 8, 2025 | $0.3600 | — | 6.20% | Apr 18, 2025 |
| Jan 6, 2025 | $0.3600 | — | 5.41% | Jan 16, 2025 |
| Oct 8, 2024 | $0.3600 | — | 5.55% | Oct 18, 2024 |
FNLC Dividend vs Peers
Comparable companies in the same industry
#1 yield in peer group
Div Yield
4.1%
#1 of 9
Safety
Sustainable
47.5% payout
Streak
12Y
3.7% 5Y CAGR
Total Shareholder
4.2%
#2 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
1st FNLCThe First Bancorp, I… | $397M | 4.1% | 47.5% | 12 | Sustainable |
3rd  NBTBNBT Bancorp Inc. | $2.6B | 2.8% | 42.9% | 13 | Sustainable |
 CNOBConnectOne Bancorp, … | $1.6B | 1.9% | 39.7% | 7 | Sustainable |
 FUNCFirst United Corpora… | $286M | 2.1% | 24.3% | 7 | Sustainable |
2nd  NECBNortheast Community … | $383M | 3.5% | 30.0% | 2 | Sustainable |
 MNSBMainStreet Bancshare… | $175M | 1.6% | 19.5% | 0 | Sustainable |
 CFFIC&F Financial Corpor… | $263M | 2.3% | 22.2% | 1 | Sustainable |
 CZWICitizens Community B… | $223M | 1.6% | 25.0% | 6 | Sustainable |
 BWFGBankwell Financial G… | $466M | 1.4% | 17.8% | 0 | Sustainable |
FNLC Annual Dividend History (1994–2026)
33 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $1.12 | — | 3 | — | — | — | 4.3% |
| 2025 | $1.46 | 2.8% | 4 | $3.07 | 47.6% | 2.10x | 5.6% |
| 2024 | $1.42 | 2.9% | 4 | $2.43 | 58.4% | 1.71x | 5.5% |
| 2023 | $1.38 | 4.5% | 4 | $2.66 | 51.9% | 1.93x | 5.3% |
| 2022 | $1.32 | 4.8% | 4 | $3.53 | 37.4% | 2.67x | 5.1% |
| 2021 | $1.26 | 3.3% | 4 | $3.30 | 38.2% | 2.62x | 4.9% |
| 2020 | $1.22 | 3.4% | 4 | $2.48 | 49.2% | 2.03x | 4.7% |
| 2019 | $1.18 | 11.3% | 4 | $2.34 | 50.4% | 1.98x | 4.6% |
| 2018 | $1.06 | 0.0% | 4 | $2.17 | 48.8% | 2.05x | 4.1% |
| 2017 | $1.06 | 17.8% | 4 | $1.81 | 58.6% | 1.71x | 4.1% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
32+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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FNLC — Frequently Asked Questions
Quick answers to the most common questions about buying FNLC stock.
How much dividend does FNLC pay per share?
The First Bancorp, Inc. (FNLC) pays a trailing 12-month dividend of $1.46 per share, with a current dividend yield of +4.1%. Payments are made Quarterly.
When is FNLC's next ex-dividend date?
FNLC's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. FNLC typically pays dividends Quarterly.
Is FNLC's dividend safe?
FNLC's dividend safety is rated "Sustainable" based on an earnings payout ratio of +47.5% and FCF payout ratio of +29.4%. With 12 consecutive years of dividend growth, the track record supports sustainability.
Is FNLC a Dividend Achiever?
Yes, The First Bancorp, Inc. is classified as a Dividend Achiever with 12 consecutive years of dividend increases. The 5-year dividend CAGR is +3.7%, demonstrating modest dividend growth.
How often does FNLC pay dividends?
The First Bancorp, Inc. pays dividends Quarterly. The trailing 12-month total is $1.46 per share. Dividend data on this page covers 32+ years from 1994 to 2026.
How much would $10,000 invested in FNLC grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in FNLC five years ago would be worth approximately $13,220 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is FNLC's yield on cost for long-term holders?
FNLC's yield on cost — the current dividend divided by the original purchase price — is +5.6% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +4.1% market yield, thanks to consistent dividend growth.